Buyers with bankruptcies, repossessions, late payments, or other credit challenges who need commercial equipment. We work with lenders who understand that past credit events don't define future ability to pay.
Initial application is intended for matching. If a lender needs a hard credit pull, you will be notified first.
Buyers who have discharged bankruptcy and are rebuilding. Some lenders specialize in post-bankruptcy commercial equipment loans with a focus on current income.
Buyers with a repossession in their history. Strong down payment and current income can offset the repossession for the right lender.
Buyers with late payments, collections, or other derogatory marks. Commercial equipment lenders evaluate the full picture, not just the score.
Financing commercial equipment is one of the fastest ways to rebuild business credit. On-time payments on a commercial loan improve your profile significantly.
Buyers who have discharged bankruptcy and are ready to rebuild with a commercial vehicle or equipment purchase.
Buyers with a past repossession who have stabilized their finances and need equipment to continue their business.
Operators with collection accounts or charge-offs who need equipment and have current income to support payments.
Buyers actively working to rebuild credit who want to use equipment financing as part of their credit recovery strategy.
Name, phone, credit range, and the unit you want. No hard pull at this stage.
Commercial lenders who understand your equipment type and business situation.
Most approvals happen within minutes to a few hours. We move fast so you don't lose the unit.
Once approved, move on the unit before another buyer does. Quality commercial equipment moves fast.
For challenged credit, down payment is your most powerful tool. The more you can put down, the more lenders you can access.
What you earn now matters more than what happened in the past. Current bank statements and income documentation are essential.
The further you are from negative credit events, the more options open up. Even 12-24 months of clean payment history makes a significant difference.
Find current inventory on Torque Hub and apply when you find the right unit.
Yes. Some lenders work with buyers post-bankruptcy. Time since discharge, down payment, and current income all matter.
Yes. A repossession does not permanently disqualify you. Down payment and current income are critical factors.
Some lenders work with buyers immediately after discharge. Others require 1-2 years.
Yes. Rates are typically higher for recent credit challenges. You can refinance as your credit rebuilds.
Lower price point equipment and trailers are most accessible. Equipment value as collateral helps offset credit concerns.
Apply and find out what options are available for your current situation. Takes less than 2 minutes.
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